Waypoint Budget Planner App

Waypoint Budget is a simple budgeting app and expense tracker for people who want clarity, not complexity. See what you can safely spend today, build real savings, and reach your goals.

No overwhelming dashboards. No selling your data. Just a budget planner with the tools to manage your money with confidence.

WHAT YOU GET

- Safe to Spend
The number you want mid-month. Waypoint Budget takes the cash you have, subtracts the expenses due before your next payday and anything you set aside, and shows what is left. It learns your recurring expenses from your own history.

- Widgets for your Home Screen and Lock Screen
Safe to Spend, your month, budgets, upcoming expenses, goals, and balances at a glance. Choose what each widget shows.

- Budget planner that works the way you think
Monthly budgets, category budgets, or rollover budgets. Group related categories into one shared total, set a different amount for any month ahead, and see your past spending before you pick a number.

- Bank sync with 10,000+ banks
Sync transactions from banks in the US (via Plaid) and Canada (via Flinks). Read-only and encrypted, we never store your banking password. Pro includes unlimited bank connections.

- Quick Add and smart categorization
Type or say a purchase and the details fill themselves in. Transactions sort into your categories, learn from your corrections, and rules can fix past ones too.

- No bank connection needed
Track cash and manual accounts by hand. Every budgeting feature works without a bank.

- Import anything
Moving from Monarch, another app, or paper? Import your history, CSV files, PDF statements, even photos of receipts. Cleaned, categorized, and duplicate-checked. On every plan.

- AI Money Coach
Ask your finances anything and get insights, breakdowns, and charts on demand, in the app or from ChatGPT and Claude. AI is optional and only sees your data when you turn it on.

- Savings goals that stick
An emergency fund, a home, paying down debt. Watch progress and see when you will get there.

- Expenses, subscriptions, and income
Recurring expenses, subscriptions, and every paycheck, steady or not, on one monthly calendar, so nothing sneaks up on you.

- Net worth tracker
Watch your full picture grow, and track contributions against annual limits for 401k, IRA, Roth IRA, HSA, TFSA, and RRSP.

- Budgeting for couples and families
Shared budgets, joint goals, and a privacy toggle for your balances. One Pro plan covers your household's bank connections.

- Reports, alerts, and your own dashboard
Spot spending leaks, get alerts before a category goes over, and arrange your dashboard.

- Built for the US and Canada
Both currencies, on phone, tablet, and any browser, always in sync.

PRIVACY FIRST

Funded by your subscription, not by selling your data. Read-only bank connections. Encrypted in transit. No third-party ads. Ever.

PLANS

- Free: Manual budgeting, expense tracking, Quick Add, imports, goals, calendar, basic reports
- Plus: 1 bank connection, Home and Lock Screen widgets, unlimited Money Coach, subscription tracking, weekly summaries, advanced reports
- Pro: Unlimited bank connections, net worth, registered accounts (401k, IRA, TFSA, RRSP), household budgeting, multiple profiles

BUILT BY TWO, NOT A CORPORATION

Bootstrapped and independent, built by two people who found budgeting apps felt like homework. Get started in 2 minutes, no credit card required.

SUBSCRIPTION DETAILS

Waypoint Plus and Pro are auto-renewable monthly or annual subscriptions, charged to your Apple Account at purchase. They renew automatically unless auto-renew is turned off at least 24 hours before the period ends. Manage them in your Apple Account settings.

Terms of Service: https://waypointbudget.com/terms
Privacy Policy: https://waypointbudget.com/privacy

Questions? support@waypointbudget.com